Urgent settlements
A purchase or settlement date the bank cannot meet. We fund to your date.
Private lender Adelaide
Direct private lending, with indicative terms in 24 hours.
Second mortgages from $100K and first mortgages from $500K, up to $25M, secured by property across Adelaide and South Australia.
- Business purpose only
- Up to 75% LVR
- Settlement in days
Direct private lending
Funding Built Around Your Deadline
Verified Capital is a direct private lender. The people who assess, approve and fund your loan are the people you deal with, from the first call to repayment, so you get a straight answer within 24 hours.
We lend against residential, commercial and industrial property and land across metropolitan Adelaide and select outer markets, with $8 million on loan across 4 active facilities in South Australia.
- Second mortgages from $100,000 and first mortgages from $500,000, up to $25 million
- Residential, commercial, industrial property and land
- Up to 75% LVR, terms from 1 to 24 months
- Indicative terms within 24 hours of a complete scenario
- $8M
- Active loans in SA
- 4
- Active facilities in SA
- Moderate appetite
- Appetite
- 24 hours
- To indicative terms
Lending solutions
What We Fund
Second mortgages
Release equity behind your bank loan without refinancing it. From $100K to $10M.
First mortgages
Purchase, settle or refinance against property. From $500K to $25M.
ATO and tax debt
Clear a tax debt using the equity in property your business or trust owns.
Working capital
Fund contracts, stock and growth, secured by property.
Bridging finance
A short-term bridge to your exit: a sale, a refinance or a capital event.
Verified Capital · Private lender or bank
How We Compare To The Bank
We are not a replacement for your bank. We are the lender you use when the bank’s timeframe or template does not fit the situation, and the loan is written to hand you back to the bank when it does. Terms are indicative and subject to valuation, due diligence and formal approval.
| Feature | Verified Capital | A bank |
|---|---|---|
| Decision | Indicative terms within 24 hours | Weeks, often months |
| Assessed on | The property, the purpose and the exit | Financials, trading history and lending policy |
| Borrowers | SMEs, companies, trusts and investors | Consumers and businesses |
| Loan term | 1 to 24 months | Long term |
| Paperwork | Short, specific to the deal | Full application and ongoing covenants |
| Who you deal with | The people who assess, approve and fund | Relationship managers and a credit committee |
| Rates and fees | Every rate and fee set out upfront in the letter of offer | Lower rate if the business qualifies |
How it works
From Scenario To Settlement
Submit your scenario
Tell us about the property, the amount you need, the purpose and how the loan will be repaid. Your broker can submit on your behalf.
Letter of offer
If the scenario fits, we issue a letter of offer within 24 hours with every rate and fee set out upfront.
Due diligence
We instruct an independent valuation and complete our credit and title checks.
Settlement
Our solicitors prepare the documents and we settle on your timeframe, then stay your point of contact through to repayment.
Recently funded
Deals We Have Settled
1st mortgageSettled$3.2M
Rosebery, NSW
Bank approval withdrawn ten days before settlement over a valuation shortfall, with a notice to complete served and a $320,000 deposit at risk. We settled the purchase in six days. Repaid when the bank finance came through four months later.
- LVR
- 65%
- Term
- 9 months
- Settled in
- 6 days
2nd mortgageSettled$1.4M
Gregory Hills, NSW
A services business in administration needed to fund a DOCA contribution and working capital to trade out. The directors’ industrial unit had equity behind a bank loan they wanted to keep. Repaid from trading and a bank refinance once the deed completed.
- LVR
- 68%
- Term
- 12 months
- Settled in
- 8 days
Have a deal the bank cannot do?
Call us and we will tell you if it is one for us.
Where we lend
Private Lending Across SA
Adelaide metro and select outer markets, typically within 20km of the CBD. Regional locations can be considered case by case.
- Adelaide CBD and inner suburbs
- Eastern suburbs and foothills
- Western suburbs and beaches
- Northern suburbs
- Southern suburbs
- Adelaide Hills
01How much can I borrow?
Second mortgages from $100,000 to $10 million and first mortgages from $500,000 to $25 million, up to 75% of the property’s value including any existing debt.
02How quickly can you settle?
Indicative terms within 24 hours of a complete scenario. Settlement follows valuation and legal work, typically within one to two weeks, and faster where the deadline demands it.
03What do you look at when assessing a loan?
The security, the purpose and the exit. We assess the property and the plan rather than applying a bank’s lending template, so timing or complexity will not rule a deal out on their own.
04Do you offer home loans or personal loans?
No. We provide business-purpose loans only, to companies, trusts and investors, secured by property.
05Do I need to meet you in Adelaide?
No. Most of our loans are arranged by phone and email, with your solicitor and broker looped in. We visit properties where it helps, and we are always happy to meet if you would prefer.
06Do you lend in regional South Australia?
We focus on metropolitan Adelaide. Regional locations can be considered case by case.
Get Terms On Your Deal Within 24 Hours
Send us the details, or have your broker send them, and we will come back to you with indicative terms.
Apply now